Since last summer when a well-known, sophisticated web meister Mat Honan was hacked and his whole web identity trashed I have been taking steps to improve my own online security.
What Is Two Factor Authentication?
When you walk up to an ATM machine you conduct a two factor authentication before you make a transaction. You must physically have the card (factor one) and insert it in the machine and then you have to know the pass code (factor two). This combination makes it very unlikely that the person performing the transaction is not you.